Osceola County property record for 5045 Rain Shadow Dr, Saint Cloud, FL 34772 · Last verified February 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2023 |
| Square Footage | 3,488 sqft Heated Area |
| Lot Size | 7,405 sqft (0.169 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $570,000 (2025) |
| Tax Bill | $1,670.00 (2025) |
| Primary APN | 212630364500011370 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 3,488 sqft Heated Area |
| Gross Area | 4,463 sqft Gross Area |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Stucco Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 7,405 sqft (0.169 acres) |
| Garage Type | Finished Garage |
| Porch | Open Porch |
| Porch Area | 114 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 5045 RAIN SHADOW DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-6343 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | EDEN AT CROSS PRAIRIE PB 33 PGS 37-42 LOT 137 |
| Legal Lot Number | 137 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1011 |
| Census Tract | 43209 |
Source: Osceola County records · APN 212630364500011370
Assessment roll updated July 1, 2025 · Last verified February 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 5045 RAIN SHADOW DR, SAINT CLOUD, FL 34772-6343 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 25, 2025 | Warranty Deed, Transfer · Conventional Mortgage RATE LEAF INC |
| Sep 18, 2023 | Warranty Deed, Subdivision Related Transfer · Veterans Administration Mortgage M/I FINANCIAL LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 25, 2025 · Amount on Record |
| Deed Sale | Jul 25, 2025 · Amount on Record |
| Prior Sale | Sep 18, 2023 · Amount on Record |
| Deed Doc Number | 2025093197 |
| Deed Book / Page | 6825 / 616 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 25, 2025 |
| Property Address | 5045 RAIN SHADOW DR, SAINT CLOUD, FL 34772-6343 |
| Document Number | 0068250616 |
| Book / Page | 6825 / 616 |
| Map Reference | MB 33 PG 37-42 |
| Instrument Date | Jul 21, 2025 |
| Instrument | 2025093197 |
| Transaction Type | Transfer |
| Record Updated | Feb 19, 2026 |
| Title Company | UNIK TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,990.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12310 MOORES LAKE RD # RD3-119, RD3-119, CHESTER, VA 23831-2472 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 5045 RAIN SHADOW DR, SAINT CLOUD, FL 34772-6343 |
| Document Number | 0006825618 |
|---|---|
| Date | Jul 25, 2025 |
| Instrument | 6825/618 |
| Name | RATE LEAF INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 18, 2023 |
| Property Address | 5045 RAIN SHADOW DR, SAINT CLOUD, FL 34772-6343 |
| Document Number | 0064751641 |
| Book / Page | 6475 / 1641 |
| Map Reference | MB 33 PG 37-42 |
| Instrument Date | Sep 15, 2023 |
| Instrument | 2023122583 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 26, 2024 |
| Title Company | M/I TITLE AGENCY LIMITED LC, M I TITLE AGENCY LTD LC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,273.50 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 400 INTERNATIONAL PKWY STE 470, 470, LAKE MARY, FL 32746-5054 |
| Name | Verified Name |
|---|---|
| Address | 5045 RAIN SHADOW DRIVE, SAINT CLOUD, FL 34772-6343 |
| Document Number | 0064751643 |
|---|---|
| Date | Sep 18, 2023 |
| Instrument | 6475/1643 |
| Name | M/I FINANCIAL LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2053 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,670.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $531,800 Land $65,000 Building $466,800 | $531,800 Land $65,000 Building $466,800 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Wildfire Risk | High above 86% of the US · above 79% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 158 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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